Filing Chapter 13 Bankruptcy in Elizabethton

Cisowski Law is the nearest Chapter 13 bankruptcy attorney to Elizabethton. Let us help you set up an affordable plan to repay your debts

How to file bankruptcy in Elizabethton

Filing Chapter 13 bankruptcy allows you to bundle up your debts and pay them through a Chapter 13 plan. If you file Chapter 13, you can pay your debts back on your own terms. This means you can pay off your car loans, signature loans, and credit cards at low or no interest over 3 or 5 years. The process to filing Chapter 13 bankruptcy can be difficult, so it is advised to seek an affordable bankruptcy lawyer in Elizabethton.

To file Chapter 13 bankruptcy, you will need to take a credit counseling course and prepare a number of forms as well as a plan to repay your debts. The forms can be filled out and filed on your own (pro se) but you may wish to seek the advice of a Chapter 13 bankruptcy attorney in Elizabethton to help. It helps to have a set of impartial eyes fill out your plan. Having representation also gives you additional protection from creditors prior to filing.

After your forms are filled out, they need to be filed at your local federal bankruptcy court in Greeneville. After you file your Chapter 13 bankruptcy case, a case number will be assigned and you will have a number of duties to complete your plan. Your Chapter 13 bankruptcy will begin and you will start to make your payments to a Chapter 13 trustee. You will also be required to attend a hearing with the trustee and whatever creditors wish to attend. You have additional ongoing duties, such as filing your tax returns, and adjusting your forms if there is a change in circumstances. After you make all required payments and fulfill your chapter 13 bankruptcy duties, you will get a discharge of your debts. You will be debt-free other than certain long-term obligations such as mortgages.

Call or click for a free consultation with an attorney in Elizabethton if you need help filing Chapter 13 bankruptcy.


If you need help filing chapter 13 bankruptcy in Elizabethton, let us know. Without the right help, it can be difficult and tedious to file chapter 13. If you forgot or fail to discharge a duty, your Chapter 13 case can easily be dismissed by the trustee. Cisowski Law is a Chapter 13 bankruptcy firm in Elizabethton that can help you file.

If you are in Elizabethton and need help filing Chapter 13, schedule a free consultation with an attorney near you.

Come let Cisowski Law help you file Chapter 13 Bankruptcy

  1. Head North on US-19E N/US-321 S
  2. Take Bristol Hwy South towards Johnson City
  3. Cisowski Law office will be on the right inside the double doors and on the second floor in the office building entrance to the right of Rock’s Wood Fire Pizza
  1. Head onto Roan Street North toward Bristol Hwy
  2. Take the right onto Bristol Hwy
  3. Cross the first light and enter the Northridge Centre location where there is a Rock’s Wood Fire Pizza
  4. Enter the double doors under the orange awning to the right of the Rock’s Woodfire Pizza patio
  5. Cisowski Law ill be on floor 2 suite 217 at the end of the hallway.
  1. Head North on US-19E N/US-321 S
  2. Take Bristol Hwy South towards Johnson City
  3. Cisowski Law office will be on the right inside the double doors and on the second floor in the office building entrance to the right of Rock’s Wood Fire Pizza

Contact us with any questions

Cisowski Law Bankruptcy Services

If you need help filing Chapter 7 Bankruptcy, we can help you. Chapter 7 is a discharge of all personally liability on credit cards, finance loans, medical bills, and more.

We help prepare the bankruptcy forms, file, and help you with the bankruptcy duties so you can get a discharge. Let us help you with the how, when, and where to file Chapter 7 bankruptcy.

If you need help filing Chapter 13 bankruptcy, we can help put a plan together to pay off your debts. A Chapter 13 is a repayment plan that allows you to restructure your debts and pay them on terms that are affordable to your budget.

We can help you prepare you Chapter 13 bankruptcy plan, file it, and deal with your creditors so you can get your budget back on track. In Elizabethton, it has never been so easy to file Chapter 13.

Bankruptcy Quick Basics

A Chapter 7 Bankruptcy is a total discharge of your debts. If you are eligible you can keep most or all of your assets including cars and home and get rid of most or all of your debts. The Discharge will relieve you of any personal obligation of the debt. You will be protected from the Bankruptcy court’s discharge order. If a creditor tries to collect after your Chapter 7 Bankruptcy, they can be heavily penalized. In Elizabethton, you file your Chapter 7 Bankruptcy in Greeneville. A bankruptcy attorney in Elizabethton will be able to prepare your Chapter 7 and file your forms and represent you in Greeneville.

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A Chapter 13 Bankruptcy is a repayment plan for debtors with regular income. This means that if you have income and debts, then a Chapter 13 will get you back on track by binding your creditors to a plan of repaying your debts over the course of 3 or 5 years. After you pay a portion of your debts through your plan you receive your bankruptcy discharge. In Elizabethton, you file your Chapter 13 in Greeneville and pay your plan through a trustee in Knoxville. Cisowski Law is a bankruptcy attorney near Elizabethton and can help file your Chapter 13.

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The automatic stay is an automatic court order entered when a debtor files bankruptcy. The order states clearly that any attempts to a collect a debt are suspended. If a creditor violates the automatic stay they are subject to penalties. The Automatic Stay is very powerful. It can stop lawsuits, garnishments, repossessions, and foreclosures. 

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The bankruptcy discharge is a court order that releases a debtor from any debt obligation. It is the ultimate goal for filing a Chapter 7 or Chapter 13 bankruptcy. The creditor will be violating the discharge and subject to punishment if they attempt to collect a debt after the debtor receives a discharge.

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In 2005 Congress enacted a law requiring individuals who file Bankruptcy to take a credit counseling course before filing and a course in financial management after filing but before receiving a discharge. 

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Filing bankruptcy in Elizabethton requires you to fill out your bankruptcy forms and submit the to the Bankruptcy Court in Greeneville. There are a number of procedural requirements for filing Chapter 7 or Chapter 13. Cisowski Law is a bankruptcy attorney in Elizabethton and can assist you with filing your bankruptcy case.